The problem with your argument is that "Company"Pay services are not gardens but conduits. You keep your money in the "garden" of your actual bank account and c

The problem with your argument is that "Company"Pay services are not gardens but conduits. You keep your money in the "garden" of your actual bank account and can extract it with whatever proprietary system you wish, because at the end of the day they're all just wrappers around the ACH network kept open by the federal government. There's no lock in when you can use all the proprietary systems at the same time with no negative effects. I have a debit card, credit card, Venmo, Square Cash, and a checkbook and I use them all concurrently as I please, because at the end of the day they all interface over ACH with my credit union.